2. Debtors’ Rights: Know Your Protections
Debtors also have rights to safeguard them from unfair or unlawful practices by creditors. These rights include:
a. Protection from Harassment: Debtors are protected against harassment or threats from creditors trying to recover debts.
b. Right to Validation of Debt: Debtors have the right to request validation of the debt to ensure its accuracy and authenticity.
c. Right to Dispute: If debtors believe they do not owe the debt or the amount is incorrect, they have the right to dispute it.
d. Right to Fair Credit Reporting: Debtors have the right to accurate and fair reporting of their credit information.